| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEN FONTAINE3 | HUB INTERNATIONAL GULF SOUTH LTD P.O. BOX 6650 METAIRIE, LA 70009 | COMPANION LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 SAINT LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $10K | $10K | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | SYMENTRA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 7.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | SYMETRA LIFE INSURANCE COMPANY | — | $653 | $653 | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 7910 MAIN STREET SUITE 300 HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $45K | $12K | $57K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 587 | $148K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 231 | $49K |
| Life insurance(2 contracts, 2 carriers) | SYMENTRA LIFE INSURANCE COMPANY | 368 | $165K |
| Short-term disability | SYMENTRA LIFE INSURANCE COMPANY | 368 | $144K |
| Long-term disability | SYMENTRA LIFE INSURANCE COMPANY | 368 | $144K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 326 | $0 |
| Other(3 contracts, 3 carriers) | SYMENTRA LIFE INSURANCE COMPANY | 368 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.